best online banking service

jambosans

Jonboy1889 wrote: »

HSBC are the best I've used. You can even call them and find out what "pending" transactions are on their way using the phone service. No other bank I've used has offered this service. Unless anyone knows of other banks?

Bank of Scotland (ergo Halifax) can tell you the date, and amount of any pending card transaction. After 24 hours, they can also tell you the merchant's name, category of business, how the transaction was done (e.g. PIN at POS or online), foreign currency amount (if made abroad), decline reasons, and a break down of cash-back card transactions (e.g. £23.17 of goods and £30 cash-back).

Also, to address the main point of the thread, Bank of Scotland Online Banking* is as "real-time" as it gets, so I don't really know what the OP is on about.

*BoS Online and Halifax Online are identical.

psychic_teabag

Perhaps it'sonly me, but I find the halifax online site gets stuck after only a few minutes use, pretty much every time. I've got to rush to do what I want before the inevitable hang.

psychic_teabag

Paul_Herring wrote: »

For example your online bank statement won't even mention that DD that comes out next Tuesday, so the balance would indicate that you could quite happily withdraw £100 today, however by using your own accounting, you'll know about it beforehand so will know you can't really withdraw that much, but you could withdraw £40 (or more, but at least you'll know that you'll be using an overdraft.)

I've actually been meaning to send a suggestion to my online bank (natwest) that they could provide a facility to allow me to ring-fence some of my money for pending transactions. It currently shows actual balance and available balance (latter includes available overdraft which I'd much prefer not to see). Instead, if I could tell it that I've written cheque number 192 for 15.42, it could hide that from the current balance so I wouldn't forget it. (And I could ring-fence the available overdraft amount just to hide it permanently.) Version 2 of the feature could even look out for cheque number 192 getting cleared, and remove it from the ring-fenced amount.

psychic_teabag

psychic_teabag wrote: »

Perhaps it'sonly me, but I find the halifax online site gets stuck after only a few minutes use, pretty much every time. I've got to rush to do what I want before the inevitable hang.

Happened again today with firefox on both linux and windows. But then I tried IE on windows, and that seems to have managed a whole session without timing out.

456789

haven't had a problem with it on ff and windows - seems slow lately though

Radsteral

hsbc good but i m sick of their bussines banking.
if you needed payments you can go back some 40-50 days but no more ! what a stupid facility!

their personal banking though you could see back couple years of statements

97trophy

Radsteral wrote: »

hsbc good but i m sick of their bussines banking.
if you needed payments you can go back some 40-50 days but no more ! what a stupid facility!

being upgraded next year I think

Bezzle

I've got a LloydsTSB business account whose online banking bursts my head regularly. They's just made a big hoo-hah about it now (yes, now, eventually) having Real Time Banking. Except that's complete rubbish. It's STILL got the useless Balance & Available Balance figures. But get this, flashed up on login currently;

"A bill payment going to another bank will now be processed the next working day and may take a day longer to arrive"

So two days for the recipient to receive a transfer. Which is one day better than previously, but still nothing like "real time".

To explain my point further - I've previously needed suppliers paid fast, so I've paid money manually into my girlfriend's RBS personal account and she's done a Same Day Transfer to them for me, and they have it within 2 hours. In fact I'm pretty sure most personal accounts now support same-day transfers to external banks now. Ridiculous. Oh, of course, I could pay LTSB their £20 CHAPS fee and get a same day transfer, IF I'm prepared to voyage to a branch and do the time-consuming process there.

I'd love to hear about any internet banking account which shows me all pending transactions, but marked as such - greyed, "reserved", "pending" or whatever is appropriate. If they're processing a transaction to the degree they can remove it from the Available Balance they sure as hell know where it's going or has been earmarked for. And to be honest that goes for debit card payments too - they know WHO originated the auth request which brought about the funds reservation for it. So just tell me! How hard can it be? And of course if telephone banking can tell us, well there's proof that the info IS available, just not spilled over to internet banking. I'm sure somebody told me their personal account did that (though not, I think by vendor name with fresh card payments as discussed by a prev poster on this thread). Anyone able to report an account with detailed pending listing like that?

I'd also like to see the same diligence in feature provision given to business accounts as to personal. I'm only going on limited personal experience here but biz accounts do seem to be much more Old School banking with what you can and can't do.